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Research on the fund raising model of a serious illness insurance of urban and rural residents in China

Author: ChenWenPing
Tutor: ZuoQingJu; LiYuQuan
School: Capital University of Economics
Course: Insurance
Keywords: Serious illness insurance Financing mode Source of funds price level The level and scope of coordinate
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Type: Master's thesis
Year: 2014
Downloads: 14
Quote: 0
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Abstract


In recent years, universal basic medical insurance system was established withpromoting of the new health care reform. At the end of2012, the number of urban andrural residents who participate in the three basic health insurance (medical insurancefor urban workers, medical insurance for urban residents, the new rural cooperativemedical insurance) over1.3billion. As so far, the coverage reach basically full.Thelarge medical expenses caused by major diseases is still a potential threat to everyfamily, and poverty caused by illness remains a nightmare for every family.In order to solve this outstanding issue, the State Council, six ministries jointlyissued "guidance regarding the development of urban residents and insurance work."(be called for guidance in the text) in August2012. It provides a political basis for thework of urban and rural residents illness insurance." Guidance" point that in ensuringthe stable operation of the basic health insurance, illness insurance funds should bepull out a certain percentage from the urban residents medical insurance.If we want serious illness insurance continue to run down for long-term, andfundamentally solve the poverty caused by serious illness, we must solve the problemof financing. Firstly, study financing model theory of urban and rural residents’serious illness insurance. Financing model including three aspects: funding source、price level、The level and scope of coordinate. Secondly, Research on the current fourtypical modes of serious illness insurance, and analyze the feasibility of every modein promotion process. Finally, propose the policy advice.

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